Not Starbucks, Whole Foods and an Apple store. 

Even if you manage it yourself, other investor's cash flow breakdowns often include PM, so make sure you are comparing apples to apples.If you are self-managing, those numbers seem pretty thin, but that may just be the reality of your market.

Please excuse iOS typos. 

Will you still have some bad apples, sure, but it will help prevent them.

That said, jumping from a triplex rehab to a 5-20 unit rehab is apples and oranges. 

And know what coverage you want, such as replacement cost, deductible, umbrella or not, etc.For my 16 unit MFH, I shopped around with 5 different carriers and went from $10k annual to $3800 for the same apples to apples coverage.

I guess it only takes one bad apple to cause a problem, but I have not had an issue yet (knock on wood).I’d leave it alone and reconsider later if it does become a problem.

Pontentially you could get 2-3 years IO on the bridge and then roll into another 2-3 years IO on your agency.

Also, I recently learned Apple Pay will allow instant transfers of money - free if the sender is using a bank account, and if they use a credit card, THEY pay the transaction fee (brilliant!).  

Apple’ iCloud, Google Calendar, and many others allow you to set the sync frequency.